BlastPoint's Banking Scorecard

Climate First Bank

$1B-$10B Specialty: Commercial FL FDIC cert 59257

Designations: ✓ Community bank

Saint Petersburg, FL

4 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +53.8% year over year ($1.5B on the books).
Delinquency rate 0.12%.
Return on assets 1.22%.
Efficiency ratio 51.15% vs a 59.73% peer average.
Loan-to-deposit ratio 107.23% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

Climate First Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 8.6% in tier
+ Efficiency Ratio 8.57% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.9% in tier
- Loan-to-Deposit Ratio 22.19% above tier average
- ROA 0.17% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.9B +64.6% YoY +10.9% QoQ	-$851.3M	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$1.7B +64.2% YoY +9.5% QoQ	-$303.3M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$1.5B +53.8% YoY +1.7% QoQ	-$770.8M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	1.22% +92.7% YoY -3.8% QoQ	-0.17%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	3.87% +11.1% YoY +1.1% QoQ	+0.00%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	51.15% -15.4% YoY +0.4% QoQ	-8.57%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	0.12% +331.0% QoQ	-0.74%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 14.7% in tier
Loan-to-Deposit Ratio ?	107.23% +6.7% YoY +7.7% QoQ	+22.19%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Bottom 5.5% in tier
Non-Interest-Bearing Deposit Share ?	10.11% +10.6% YoY +28.0% QoQ	-11.16%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Bottom 11.0% in tier
Nonperforming Asset Ratio ?	0.11% +325.7% QoQ	-0.57%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	9.83% +4.9% YoY -1.1% QoQ	-5.01%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Bottom 4.4% in tier
Non-Interest Income / Assets ?	0.19% +25.6% YoY +156.6% QoQ	-0.34%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	10.1% +1.0pp YoY +2.2pp QoQ	-11.3pp	21.4%	27.7%	22.2%	10%
Brokered Deposits	2.7% -4.4pp YoY -1.2pp QoQ	-6.7pp	9.5%	8.7%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	27.1% -0.4pp YoY +1.4pp QoQ	+13.1pp	14.0%	12.9%	12.5%	89%
CRE	40.5% +1.5pp YoY +2.6pp QoQ	-9.5pp	50.0%	50.6%	41.4%	26%
1-4 Family	12.8% -5.3pp YoY -2.1pp QoQ	-13.6pp	26.4%	30.7%	31.3%	24%
Consumer	20.0% +5.2pp YoY -1.8pp QoQ	+15.3pp	4.7%	3.7%	5.0%	95%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	9.8% +0.5pp YoY -0.1pp QoQ	-5.8pp	15.6%	19.8%	19.7%	0%
Leverage Ratio	9.7% +0.1pp YoY +0.1pp QoQ	-1.7pp	11.3%	13.9%	12.6%	27%
Total Capital Ratio	10.9% +0.4pp YoY -0.1pp QoQ	-5.8pp	16.7%	21.1%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	162 +43 (+36.1%) YoY +19 (+13.3%) QoQ	-152	313	295	482	28%
Assets per Employee ($)	$12.0M +20.9% YoY -2.1% QoQ	+$1.5M	$10.5M	$10.3M	$8.8M	78%
Branch Count	3 0 YoY 0 QoQ	-17	20	13	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.1% +0.1pp QoQ	-0.7pp	0.8%	0.7%	1.0%	14%
Allowance Coverage	8.51x -76.5% QoQ	-10.20x	18.71x	16.62x	20.23x	86%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.2%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	13.4% +6.4pp YoY -0.6pp QoQ	+0.8pp	12.6%	9.3%	11.6%	61%
Cost of Funds (YTD)	3.4% -0.3pp YoY -0.1pp QoQ	+1.4pp	1.9%	1.8%	1.7%	98%
Net Income ($, YTD)	$10.8M +230.5% YoY — QoQ	-$8.4M	$19.2M	$25.2M	$40.4M	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#20 of 221 • Top 8.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#89 of 492 • Bottom 17.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

131

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 0.87%

#131 of 882 Top 14.7% in $1B-$10B

139

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#139 of 885 Top 15.6% in $1B-$10B

Top Weaknesses (3 metrics)

847

Tier 1 Capital Ratio

capital

Value: 9.83%

Peer Median: 14.84%

#847 of 885 Bottom 4.4% in $1B-$10B

837

Loan-to-Deposit Ratio

liquidity

Value: 107.23%

Peer Median: 85.04%

#837 of 885 Bottom 5.5% in $1B-$10B

789

Non-Interest-Bearing Deposit Share

funding

Value: 10.11%

Peer Median: 21.27%

#789 of 885 Bottom 11.0% in $1B-$10B